Turn steady sales into $250,000 of working cash. Five-minute application, three months of bank statements, FICO 500+ considered.
Get My AdvanceMerchant Cash Advance
A $250,000 merchant cash advance is underwritten largely on your deposits. Strong, steady sales and few existing obligations make the clearest case.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 5 minutes to apply, three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Revenue history weighs heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How and when repayment happens is laid out in the offer from the start.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A merchant cash advance provides a lump sum now in exchange for a portion of future sales. Instead of being underwritten mostly on credit, it is based heavily on the revenue your business already brings in. That makes it a common choice for retailers, restaurants, auto shops, and service businesses with steady card or bank deposits.
At $250,000, you are typically talking about a business with substantial, consistent monthly sales. The deposits need to support both the advance and the operating costs you already carry.
Two items dominate: the volume and steadiness of your deposits, and any existing obligations already drawing from your account. If you are carrying other payments, the room for a new $250,000 advance shrinks. If your account is clean and deposits are strong, the path is clearer.
FICO 500+ is considered, and sole proprietors can apply.
For illustration only: a regional grocery operator might use $250,000 to restock ahead of the holiday season and update refrigeration. A busy dental group might use it to open a second location's operatory. In both cases, the advance is sized against months of deposit history, not a projection.
If you would rather draw over time, see $250,000 business line of credit instead.
This product fits established businesses that sell steadily and need a large sum without a long underwriting process. Think multi-unit restaurants, busy auto repair shops, medical and dental practices, e-commerce sellers with consistent payouts, and retailers with strong card volume. The common thread is predictable, recurring deposits.
It is a weaker fit for businesses whose revenue arrives in a few big, irregular checks, or for owners who are already carrying several obligations. In those cases, a smaller amount or a different product such as $250,000 working capital may be the better conversation. We would rather tell you that upfront than present an offer your cash flow cannot comfortably carry. Comparing a few structures side by side before you commit is always reasonable.
Read your offer carefully. It shows the full repayment amount and how repayment is scheduled, before you sign anything. Nothing surprising gets added afterward. If the numbers do not work for your margins, do not take it.
The application takes about five minutes and starts with a soft credit pull. Apply for a merchant cash advance.
No. It is an advance against future sales, underwritten largely on your revenue and deposits.
About three months of business bank statements. No tax returns are required.
Your offer lays out the repayment schedule and full repayment amount before you accept.
Existing obligations reduce the room for a new advance. We review them as part of your file, and the offer reflects what your deposits support.
Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Strengthen your case for a $250,000 advance with these steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding